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Before widespread Internet use, buying car insurance involved either going around to multiple insurance companies to compare policies, or spending half a day on the phone trying to get quotes to compare. This made it harder for consumers to find the best deal on vehicle insurance and easier for insurance companies to keep auto insurance rates high. After all, if one company offered what looked like a decent rate, it was easier to go with that company rather than trying to get individual quotes from several companies for comparison.
Compare Coverage and Prices
Comparing automobile insurance policies is the main key to getting the best price, but it is important to know what your quoted price covers. Knowing how much liability coverage you need, along with collision and comprehensive coverage needs is important so that when you find a great price you can make sure that the price you're quoted is for the coverage you need. Make certain that you're comparing prices on policies that offer identical (or nearly identical) coverage, or you could be in for a surprise if you should have to make a claim someday.
Know if You Need Extra Coverage
Depending on what type of car you drive, where you live, and any aftermarket changes you have made to your car, you may need to purchase car insurance coverage over and above what is offered in a standard policy. You will also need to provide coverage for all the drivers who use the car. Some drivers prefer to save money on premiums by raising their insurance deductible (the part paid out of pocket before the insurer starts paying on a claim) while others want a low deductible so that the insurer's part of the coverage kicks in sooner. The more information you have about your car and your deductible preferences, the more accurate your quotes will be and the easier it will be to compare prices.
Ask if You're Eligible for Discounts
Finally, be sure to ask insurance companies you're considering if you are eligible for any discounts. Some insurers offer discounts to drivers with good driving records, and some offer discounts to drivers who do not drive very many miles in a given year. There are even insurance companies that offer discounts for drivers who have completed their college education. It is very common for insurers to offer discounts to customers who insure multiple cars with them, and for insurers to offer discounts for customers who purchase other types of insurance (like homeowner's insurance) from them along with car insurance. Ask so you'll be sure you get all of the discounts you're entitled to.
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About the Author
+Chris Robertson is a published author of Majon International. All Rights Reserved. Copyright 2013 (Tue May 01 2012) Majon International. Majon International is one of the worlds MOST popular internet marketing and internet advertising companies on the web. Visit their main business resource internet marketing web site at: http://www.majon.com